Enye yeenjongo zabo nabaphi na abatyali mali abancinci nabaphakathi kukuzama ukuphucula imida yenzuzo kwimisebenzi eyenziwayo kwiimarike zezabelo. Nangona kunjalo, lo ngomnye wemisebenzi enzima ukuyenza ukusukela kwinqanaba elincinci okanye elingaphezulu kokuya kuxhomekeka kwisixa osabelwe kutyalo mali. Nangona unamaqhinga amancinci anokukuvumela ukuba uphucule le mida yemali. Ukuze ekupheleni konyaka ngamnye ube nemali engaphezulu eqokelelwe kwiakhawunti yakho yokonga.
Esinye isitshixo sokufezekisa ezi njongo zinqwenelwa ngumntu wonke kukwazi xa kufuneka uzilungisile izikhundla kwiimarike zezabelo. Kuba, enyanisweni, ayifani ukuyenza nge-3% yokubuya kunokubuyisa i-17%. Umahluko ofanele ukuba uphathwe ngokukholisayo kwaye ngaphezulu kwako konke isicwangciso esisebenzayo sokutyala imali. Nangona kunjalo, awunakukhetha ngaphandle kokutshintsha ixesha lakho lokuhlala. Ngokufanelekileyo ukulibazisa ukusebenza iinyanga ezimbalwa ngakumbi, kodwa sisenzo ekugqibeleni esiya kufaneleka ukuba senziwe ngokusesikweni.
Ngelixa kwelinye icala, awungekhe ulibale ukuba ukukhetha amaxabiso okhuphiswano ngakumbi okanye iikhomishini ziya kuhlala zikunceda ukuba wenze inzuzo ethe kratya. Nangona kule meko, ngumahluko othile ongathethi ukuba ukonyuka okugqithileyo kwimali eyimali eyiqokelelweyo ukusukela ngoku. Ekugqibeleni, zininzi iindlela ezahlukeneyo onazo ngeli xesha lokunyusa inzuzo yakho kurhwebo kwimarike yemasheya. Ngaba uyafuna ukufumana ezinye zezona zibalulekileyo ekufuneka uzenzile kwiinyanga ezizayo?
Yongeza umvuzo wakho: izinto
Inzuzo kwiimarike ze-equity inokuveliswa ngokusekwe kwizinto ezininzi ekufuneka uzithathele ingqalelo ukusukela ngoku. Enye yezona zinto zichaphazelekayo ixhomekeke ngokusisiseko kutyalo-mali olukhulu. Umzekelo, ukusuka kwi-30.000 ye-euro, elilelinqanaba apho umdla unokuthi uthathwe njengowonwaba kakhulu. Ngayiphi na imeko, ungaze ngokusebenzisa imali uthathelwe ingqalelo njengokuthozamileyo apho kuya kubakho isibonelelo esincinci kakhulu onokuthi usifumane ngale ntshukumo kwintengiso yesitokhwe.
Esinye isitshixo kukuba uthathe izikhundla kukhuseleko ezihamba nokungazinzi okuninzi kwaye ke ngoko zinokuphinda zibe nokuhlaziya okuphezulu kunakwabanye abameli kwiimarike zezabelo. Kananjalo nokukhomba ixesha lokuhlala ngokusisigxina elihlengahlengisiweyo kwiprofayili yakho njengomtyalomali omncinci nophakathi kwaye elinokufakwa kuluhlu olusuka kwi-3 ukuya kwiinyanga ezingama-24 malunga. Ngokukodwa iphuhliswe kwiintshukumo ezicacileyo zokuhamba okanye iindlela, ubuncinci kwixesha elifutshane neliphakathi.
Khetha ukhuseleko olucingelwayo
Alithandabuzeki elokuba ukhuseleko olucingelwayo lolunye umthombo wokufumana inzuzo enkulu. Ngesicwangciso sotyalo-mali ungathabatha ixesha elide njengokunyuka okuphezulu kwexabiso kumbuzo ohlala kulo. Ukuze kuthi xa kuvela iimpawu zokuqala zokudinwa, ukhethe ukuvala izikhundla ngeyona nzuzo iphezulu. Ngelixa kwelinye icala, elinye inyathelo onokulisebenzisa ukusukela ngoku ukwenza ukuthenga okutsha njengoko ukuxhathisa kwexabiso kugqithisiwe. Phakathi kwezinye izizathu kuba iya kuba ngumqondiso malunga namandla okhuseleko kwaye inokuthatha ikude kakhulu ekudibaniseni amaxabiso.
Akumangalisi ukuba, esinye sezitshixo zokurhweba ngempumelelo sithatha ithuba lokufumana amandla. Kwaye ukuba kunokwenzeka kwiimeko zokulayisha simahla, ke ungcono kunokuba ungcono kwimidla yakho. Iya kuba yeyona ncwadana yokundwendwela ilungileyo ukuze wandise imali eseleyo kwiakhawunti yakho yokonga kwiinyanga okanye kwiminyaka ezayo. Ukuya kwinqanaba lokuba ngamanye amaxesha unokuba nezibonelelo ngaphezulu kwe-50%. Oko kukuthi, emva kwayo yonke loo nto, yintoni ebandakanyekayo kolu hlobo lotyalo-mali oluphezulu nolukhethekileyo. Nangona kubenzima ukuziphumeza kwizicwangciso zotyalo-mali. Kuba kufuneka uyazi ukuba iimarike zokulingana azinyuki ngonaphakade. Hayi kangako.
Iingcebiso zokwenza imisebenzi isebenze
Injongo yalo naluphi na uhlobo lotyalo-mali isekwe Lisebenzise kakuhle lonke ixesha olondoloziweyo ukuthengwa nokuthengiswa kwezabelo. Nangona le meko ingahlali iphunyezwa ngenxa yezizathu ezahlukeneyo. Ngesi sizathu kubalulekile ukuba ibe yinto elungileyo ekugqibeleni, kuba esiphelweni sosuku imalunga nokungalahleki kwemali kwimakethi ye-equity. Ngamanye amaxesha ngempumelelo engaphezulu kwezinye kwaye kulapho iingcebiso zethu ziya kuthi zijolise ekuphuculeni utyalo-mali.
Ewe ayisiyonto ilula ukuyiphumeza. Kodwa ngolwazi oluncinci kunye nenqanaba eliphezulu loqeqesho akukho mathandabuzo oko Siza kufikelela kwiinjongo ezicetywayo. Kodwa apho kuya kuba yimfuneko ukubonelela ngenqanaba eliphezulu lokufunda kwiimarike zezabelo. Kwiimarike apho amava angaphezulu kwaye anokuthi abe ngawelizwe okanye avela ngaphandle kwemida yethu. Kanye nolwazi oluphezulu malunga nokuziphatha kokhuseleko kwiimarike zemali.
Ngelixa kwelinye icala, izicwangciso zokuqhuba ngempumelelo utyalomali kufuneka zisekwe ekusetyenzisweni kweenkqubo ezinokuthenjwa ekusebenzeni kwimarike yemasheya. Ukwazi ngamaxesha onke ukuba nangaliphi na ixesha sinako yenza enye impazamo ngokufanayo. Ngoku lixesha lokuba size nezimvo onokuzitshintshela kwiimarike ze-equity. Ukusuka kuthotho lweendlela eziya kwahluka kakhulu njengoko uza kubona ukusukela ngoku.
Thenga kumachiza
Esinye sezicwangciso ezilula zotyalo-mali kuzo zonke kusekwe ekuthengeni xa ukuxhathisa koyisiwe. Le modeli inqabile ukusilela kwaye inokwenziwa kuzo zonke iimeko nakuwo onke amaxabiso okoko nje le mfuno isisiseko ifezekisiwe. Kwelinye icala, akufuneki ilibale ukuba ukwaphuka kokuchasana ziintshukumo ezikhula rhoqo rhoqo kuzo zonke iiseshoni zorhwebo, nkqu nakumaxabiso afanayo. Ungayifaka ngaphandle komngcipheko ekusebenzeni ngenxa yokuthembeka kwayo okuphezulu.
Esi sicwangciso sotyalo-mali sikuvumela ukuba ube namandla aphezulu ekuhlaziyweni ngokutsha kwamaxabiso ahamba kule meko rhoqo kwimarike yemasheya. Njengezehlo zakho ukwenza ifayile ye- ipotifoliyo yotyalo mali kwaye isekwe kwinkqubo yokukhetha ethandeka kakhulu kwimidla yabatyali mali abancinci nabaphakathi. Apho elinye lamaqhosha lilele ekwenzeni le misebenzi ngokukhawuleza okukhulu. Ngalo mzuzu xa ikhefu liphuka.
Kwimeko yotshintsho
Isesinye isicwangciso esiliqili sokutyala imali ukuba siqhubeke ukusukela ngoku. Xa usuka ezantsi usiya kwi-uptrend okanye nakwintshukumo esecaleni. Ukongeza, kulula kakhulu ukuyitolika xa olu tshintsho lwenzeka. Akumangalisi ukuba, emva kokuba uhambo lwayo lwaphezulu lwenzeka ngaphezulu kokubaluleka kwaye kangangexesha elithile ekufuneka lihlelwe njengelomeleleyo. Akukho bungozi kwisicelo sayo kuba akukho mida yeempazamo ngalo naliphi na ixesha. Ngumzuzu kuphela wokumisela ukuthengisa ngokusesikweni ngengeniso eqokelelweyo yemisebenzi.
Kwelinye icala, awungekhe ulibale ukusukela ngoku ukuba esi sikimu sotyalo-mali sisetyenziswa abatyali mali abanamava ngakumbi ekuthengeni nasekuthengiseni izabelo kwimarike yemasheya. Enye into ekufuneka uyivavanye ukusukela ngoku kukuba utshintsho olwenziweyo lubonisa ixesha elide kakhulu kwaye linokuhlala iminyaka emininzi. Ukuze ngale ndlela ufake isicelo kwiinkqubo zakho zesitokhwe uzinze ngakumbi kunangaphambili. Ngale ndlela, uya kuba nakho ukufumana ukhuseleko kwiphothifoliyo yakho kangangeminyaka eliqela njengoko ingeyiyo intshukumo yokuqikelela.
Ukusuka kwiincopho zenkululeko yasimahla
Ngeli thuba sibhekisa kwenye yeenkqubo ezibeka umngcipheko omkhulu ekusebenzeni kwayo. Phakathi kwezinye izizathu, kuba kunzima kakhulu ukwazi ukuba yeyiphi inqanaba lokuwela kwiimarike ze-equity eziza kuyeka. Kwaye ke unokwenza iimpazamo rhoqo. Le nyani inokuchaphazela ukuba ungashiya ngendlela xa ulandela ixabiso kunye notyekelo olufanayo kude kube ngoku.
Ngesi sizathu, kulunge kakhulu ukuba uhlalutye ukusebenziseka kakuhle kwalo msebenzi kunye nento enokwenzeka kuwe ukuba imisebenzi ayiphuhlisi njengoko ubulindele ekuqaleni. Ngelixa kwelinye icala, esi sicwangciso sotyalo-mali sinesibonelelo sokuba sinokubanakho ukuphinda sivavanywe ngaphezulu kwezinye iinkqubo zohlalutyo oluqhelekileyo.